Application Link
Benefits
- $250 offer: earn $250 after spending $2,000 in 120 days.
- Cash back structure:
- Earn 6% cash back on your first $1,500 in combined eligible purchases each quarter with two retailers you choose.
- Earn 3% cash back on your first $1,500 in eligible purchases on your choice of one everyday category.
- Earn 5.5% cash back on prepaid hotel and car reservations booked directly in the Rewards Travel Center.
- Earn 1.5% cash back2 on all other eligible purchases.
Disadvantages
- $95 annual fee, waived for the first year.
6% Merchants List
- Ace Hardware®
- Amazon.com™
- Anthropologie™
- Apple®
- Bed, Bath, & Beyond®
- Best Buy®
- Chewy.com®
- Crate & Barrel™
- Disney®
- Home Depot®
- Ikea®
- Kohl’s®
- Lowe’s®
- Lululemon™
- Macy’s™
- Menards®
- Nordstrom™
- Pottery Barn®
- QVC®
- Restoration Hardware™
- Target®
- Walmart®
- Wayfair.com
- Williams Sonoma®
Recommended Application Time
- We recommend you apply for this card after you have a credit history of at least two years and you are very comfortable with the credit card game.
Summary
The 6% cashback ability on certain merchants is nice. But it has a quarterly limit of $1,500. If this card is a no annual fee card then it would be a very strong product. But with $95 annual fee, together with its rather small quarterly limit, it is not so great.
After Applying
- To check the application status, you can visit this webpage or call (800) 947-1444. If you see the 7-10 days message, it just means they will do a manual review and the outcome could be either approved or denied.
- US Bank reconsideration line: (800) 947-1444.
Historical Offers Chart
Application Link
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